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by Krishna.Nelluri@experian.com 5 min read April 10, 2026

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At its core, EVA makes financial information accessible and actionable. Experian members can ask questions, receive personalized financial insights, and potentially take action in real time. Whether freezing or unfreezing their Experian credit file, managing membership features, or exploring tailored offers via third-party lenders in Experian Marketplace, they can do it within a seamless conversational experience designed to simplify decisions

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Our latest evolution expands beyond credit insights to provide clearer visibility into spending and cash flow. Through connected permissioned financial accounts, members can track spending trends, recurring expenses, and changes over time. EVA also can deliver tailored recommendations to help reduce unnecessary spending, manage subscriptions, and better plan for monthly obligations.

By translating complex financial data into practical next steps, EVA serves as an intelligent financial copilot. It helps people move from insight to action with confidence and supports smarter budgeting, saving, and borrowing decisions aligned with their goals and financial priorities

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At Experian, our mission is bringing Financial Power to All™. EVA represents Consumer First AI in action by combining advanced artificial intelligence, human centered design, and a trusted data foundation to expand access to personalized financial tools and support greater financial inclusion.

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At its core, EVA makes financial information accessible and actionable. Experian members can ask questions, receive personalized financial insights, and potentially take action in real time. Whether freezing or unfreezing their Experian credit file, managing membership features, or exploring tailored offers via third-party lenders in Experian Marketplace, they can do it within a seamless conversational experience designed to simplify decisions.

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Our latest evolution expands beyond credit insights to provide clearer visibility into spending and cash flow. Through connected permissioned financial accounts, members can track spending trends, recurring expenses, and changes over time. EVA also can deliver tailored recommendations to help reduce unnecessary spending, manage subscriptions, and better plan for monthly obligations.

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Trust is foundational to everything we do at Experian. It’s how we build products people rely on, how we serve clients and consumers, and how we work together every day. That focus makes this year’s recognition from Fortune’s 100 Best Companies to Work For List even more meaningful.

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What makes this honor especially significant is how it’s earned. The ranking is based entirely on employee feedback from the Great Place to Work survey. Our people told us they feel welcomed, trusted to do their jobs, respected for who they are, and valued for the impact they make. They shared that Experian is a place where people can be themselves and count on one another.

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That internal trust matters externally. When employees trust their workplace, they do their best work. That translates directly into the trust our consumers and clients place in us—to handle data responsibly, deliver insights with integrity, and help people and businesses move forward with confidence.

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Our way of working has earned Experian the2026 BIG Innovation Awardfor its AI-powered Experian-Assistant for Model Risk management, Top Score in the2026 Equality 100,Best Place to Work for Disability Inclusion, and as one of the25 World’s Best Workplaces™ 2025.

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Our latest evolution expands beyond credit insights to provide clearer visibility into spending and cash flow. Through connected permissioned financial accounts, members can track spending trends, recurring expenses, and changes over time. EVA also can deliver tailored recommendations to help reduce unnecessary spending, manage subscriptions, and better plan for monthly obligations.

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This milestone builds on our broader strategy to embed intelligent, trusted AI across the consumer ecosystem. Through continued advancements in EVA’s adaptive financial guidance and the launch ofExperian Insurance Marketplaceintegrate with theChatGPTplatform, we are meeting consumers wherever they are with personalized insights and relevant financial opportunities delivered through conversational experiences.

  • This mission is deeply personal to me. I was born in the United States but spent my formative years in Taiwan, where credit was not part of everyday life. When I returned to the United States for college, I realized that being financially responsible did not automatically translate into having a strong credit profile. I was fortunate that credit did not stand in my way, but that uncertainty stayed with me and shaped my perspective.
  • That experience fuels my passion for building tools like EVA. Financial health shapes where we live, what we can plan for, and how secure we feel. Yet managing money and credit can still feel complex or intimidating. EVA helps cut through that complexity by meeting people where they are and adapting in real time to their needs with guidance that feels clear and relevant.
  • Improved targeting and personalization: Demographic segmentation powers highly customized campaigns so you can cater to different income levels, family structures, job types, and so forth. B2C brands can provide offers based on factors like age, income, and gender, while B2B brands can target by occupation to reach decision-makers.
  • Better product and service development: Understanding which demographics use your product or service is a great way to inform future improvements.
  • Higher engagement: With highly customized content, you can speak directly to specific demographic groups and increase engagement.
  • Cost efficiency: As you target the most relevant segments, you optimize your spending around the most likely buyers and will see better returns.
  • Increased conversion and retention: Relevant, targeted messaging leads to higher conversion rates, and when people feel understood, they’ll want to keep coming back.
  • Clearer customer insights: Demographic data provides precise, actionable insights for refining your marketing strategy.
  • Simplicity and effectiveness: Demographic insights are immediately actionable and easy to implement, which gives you a great starting point for focused campaigns
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Helping Businesses Quickly Respond to Today’s Emerging Fraud Threats

As the COVID-19 pandemic continues to disrupt lives across the globe, fraudsters continue to take advantage of the vulnerable situation. The opportunistic nature of fraudsters means that times of crisis and pandemics open up additional breeding grounds for fraud and identity theft. Our latest CrossCore® release has never been more relevant for businesses than right now. Confidently recognizing consumers and safeguarding digital transactions is always a difficult balance – but now more critical than ever. With CrossCore, businesses can limit fraud losses and reduce unnecessary customer friction, at a time when safe and convenient access to financial services is essential.  This new version of CrossCore, our integrated digital identity and fraud risk platform, combines risk-based authentication, identity proofing, and fraud detection into a single, cloud-based platform. This means that businesses have the capabilities and technology they need to rapidly respond to an ever-changing environment. With flexible decisioning orchestration, advanced analytics, and pre-integrated identity and fraud services, businesses can make real-time risk decisions throughout the customer lifecycle. And they can do all of this through simple self-service.  We know there’s no silver bullet when it comes to fighting fraud, which is why we continue to develop our curated partner ecosystem. This gives companies access to all the technology and capabilities they need, in one place – whether it be Experian’s, our partners’, or their own. We combine this with advanced analytics and our own rich data assets plus a built-in strategy design and enhanced workflow giving fraud and compliance teams more control to adjust strategies based on evolving threats. This helps improve efficiency and reduce operational costs.   Updates to the new version include the ability for clients to submit dynamic API request payloads, apply progressive risk assessments, apply parallel logic, enable self-service workflow configurations, and provide an online business intelligence (BI) module to view transactional volume reports. These updates will give CrossCore users a simpler way to manage complex orchestration; faster more scalable performance; and key performance indicators in near real-time, all while enabling a personalized and seamless experience for their true customers.   More than 250 clients worldwide use CrossCore today, including capabilities from our third-party partners. To start leveraging best-in-class, pre-integrated identity and fraud services through simple self-service learn more about the Experian CrossCore platform.  

Published: May 5, 2020 by Editor
Experian Joins the #AscendTogether Campaign As Asian Pacific American Heritage Month Begins

Today kicks off Asian Pacific American Heritage Month. The Experian Asian American Employee Resource Group (ERG) is proud to recognize this special month by sharing how Experian is supporting a national campaign to address the adversity facing some of our most at-risk communities right now. Experian has joined ten non-profits and more than 80 companies from across industries and sectors nationally to support the #AscendTogether action agenda. It includes promoting inclusion, raising awareness of vulnerable groups, denouncing bias, supporting frontline healthcare workers, COVID-19 victims and families, and donating funds and resources to support vulnerable populations and impacted businesses. Led by Pan-Asian leadership nonprofit Ascend, this effort is designed to bring about unity at a time when fear about COVID-19 has led to rise of intolerance and racist acts, particularly against the Asian and Asian-American community. Experian is proud to step up as a leader in our industry to participate in this effort. As executive co-sponsors of Experian’s Asian American ERG, we hope you will join us in our efforts to be a champion for diverse communities, especially during this time. You can learn more about #AscendTogether here. Written by: Dacy Yee, Chief Customer Officer ECS Direct-to-Consumer and Jimmy Cheung, Senior Vice President of Technology and Engineering

Published: May 1, 2020 by

With the impact of COVID-19, we’re certainly in uncharted territory. Many people are struggling with high unemployment, which is resulting in missed credit card, utility, and rent payments. In response, Experian is joining forces with the other U.S. credit reporting agencies, to offer free weekly credit reports to all Americans for the next year via AnnualCreditReport.com. A credit report allows people to monitor their finances and better understand their overall financial health. We’re proud our industry is uniting to make this possible for all U.S. consumers starting today. Credit reports are updated constantly, so the ability for an individual to look at their report weekly is helpful to monitor for lender updates and ensure there is no fraudulent or unfamiliar activity. During these difficult times, this is especially important. In addition to the free weekly credit report at AnnualCreditReport.com, Experian also offers consumers free access to their credit report, FICO score, and ongoing credit monitoring at Experian.com. This is a no-charge product.  We want to give consumers multiple options to access and manage their credit report. At Experian, we’re committed to enabling fair and responsible lending through the power of our data. As the consumer’s bureau, our goal is to not only help consumers build credit but to get better access to credit. All of us are working diligently every day to keep our data as accurate, relevant, and secure as possible so that lenders can use the data to responsibly extend credit to people who need it most especially when the economy returns to strength. What You Can Do Now  The most vital action someone can take if they are unable to pay a bill is to talk with their lender and inquire about assistance programs that may be available. If a consumer receives an accommodation it will have minimal impact on their credit score if their account is in good standing and if there hasn’t been previous delinquencies reported We remain committed to informing, guiding, and protecting people during these unprecedented times. Beyond our offer for free credit reports, we’ve created a dedicated website, with links to multiple resources and materials to help the community learn about credit and other important personal finance topics. We encourage everyone to visit the Experian COVID-19 Resources & Credit Education. Take care and stay healthy.

Published: April 20, 2020 by Alex Lintner

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Having a diverse workforce is vital to help us innovate and deliver on the needs of our increasingly diverse clients and consumers. Over the years, we’ve made some great progress, but there’s so much more we can do and it’s going to take the collective effort of all of us to continue to move the needle. That’s why we’re gearing up to celebrate International Women’s Day (IWD). It’s a day celebrated in many countries around the world to recognize the achievements of women and drive equality among men and women. At Experian, IWD activities are extending throughout the month of March. Have a look at what’s going on around the world as Experian celebrates this important day: Asia Pacific The Asia Pacific region is hosting a range of activities across our offices in March, which will include round-table and speaker events as well as an opportunity to network and pledge their support for IWD. EMEA and UK&I EMEA and UK&I are joining together for IWD to support and celebrate diversity and inclusion. The week started with a video of employees from both regions reflecting on what diverse teams bring to our business. Employees will also be invited to a variety of events to engage and network with inspirational women and hear stories from our leaders on what diversity means to them personally. Latin America Throughout the month of March, Latin America has been running a campaign to share stories of achievements in their region and raise awareness about breast cancer prevention and other diseases more common in women. On IWD, there will be a panel of women leaders who will address issues such as the social inclusion of women in the region, women’s participation in the labor market, Experian’s commitment to female leadership and the importance of a work/life In Brazil, IWD is kicking off with a presentation by members of the United Nations to present their 50-50 Gender Equality program (which aims to eliminate gender inequalities by 2030) and how they are working with companies around the world to achieve this vision. Employees will have an opportunity to hear from leaders in our business about diversity and inclusion plans for the region, and listen to a panel of external speakers discuss diversity challenges and career development. North America Our employees in North America will be kicking off the week with celebrations across their ITS’ 13 offices in the region. Each office will have daily activities throughout the week, and all employees – including virtual and those based in smaller offices – will be invited to attend webinars focused on Diversity and Inclusion topics. On IWD, there will be panel discussions with senior leaders who will speak on various career development topics. To close out the week, there will be a special Book Club discussion on March 9. We will continue to update this blog post all week with pictures and other ways we’re celebrating IWD. Bookmark this page and come back.

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How Experian Helps to Connect with Companies all Over the World #ExperianStories

I work at SEGA, a global games company. I first met Nakamura-san, my contact at Experian, about eight or nine years ago. I remember telling him at the time that I was a little sceptical of credit report and analytic companies – I thought they were either too expensive or their reports weren’t detailed enough. However, a year later I needed help from a company like Experian, and I thought I’d put them to the test.   My team and I were starting to communicate with overseas markets, to work with companies around the world. So, I phoned Nakamura-san. It was a business negotiation, so I had my poker face on – I played the usual mind games you have to, insinuating that if Experian did this job well then our company might be able to offer them even more business in the future.   Safe to say, they passed the test. We’ve been building a really positive relationship with Experian for the last eight years.   We’re working with companies in Hong Kong, Taiwan and London at the moment. To work with them, we need information – for instance, we need to know if they’re actually located where they say they are. Even if a company gives us an address, it’s always possible that it operates from a different country – we’ve all heard about companies and their tax havens. When we have these questions, Nakamura-san and his team at Experian collect and analyse data on these companies, and give us very thorough information – breaking it all down and explaining everything to us really clearly.   It’s really difficult to get the rich, detailed analysis of data you need, but Experian provides us much better data than any of our previous credit research companies managed to. They consult with us, and help us use this data to get our business to a better place. I’m very grateful for it – they’ve added great value to our business. Mr. Shinji Mutazono, Team Manager, SEGA Group Companies Finance Department, SEGA Holdings CO., Ltd. 

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Published: May 21, 2017 by